中国“钱荒”问题分析

中国“钱荒”问题分析

杨琦

【期刊名称】《佳木斯教育学院学报》

【年(卷),期】2013(000)012

【摘要】我国产生“钱荒”的原因是因为资本外流，银行资金错配情况严重，理财产品收益率下降和到期导致资金紧缺，财政存款减少，央行的稳健策略。“钱荒”产生了提高银行业的资金使用成本；导致资金紧张，提高了资金使用成本，影响股市、债市；对房地产业和过剩行业将造成冲击；中小企业面临融资困局。应对“钱荒”的对策是银行业的改革，中国实体企业的转型创新，企业需要提高财务管理的能力。%The causes of"shortage of money"is the outflow of capital, bank funding mismatch in serious condition, financial product yield decreased due to the shortage of funds and financial savings, a prudent strategy, the central bank."Money"the capital use cost increasing banking;lead to funding constraints, improve the capital cost, the impact of the stock market, bond market;the impact on the real estate industry and excess industry facing SMEs financing dilemma. Countermeasures of"money"is the reform of the banking industry, transformation and innovation of Chinese enterprise entities, enterprises need to improve the ability of financial management.

【总页数】2页(445-446)

【关键词】中国;钱荒;原因;影响;策略

【作者】杨琦